Re: Garden Club Meeting - September 2013

parakleet wrote:I can't believe it's already September! Hope everyone is enjoying their holiday weekend! I'm still a little seedling but I'm pretty confident I'll make it to bronze. I've already made it to bronze twice (😝I think)! But each time, I ended up stepping out - for good lots of money saving TLs though! This time, I have pretty much everything I need at the moment so barring something crazy happening (like my 15 yr old Toyota crapping out in the next month), I want to shoot for silver.

Bronze is easy for you .....you know how to garden...get er done

Before you app think...Have you done your research of the CC?Does it fit your spending?Do you have a plan for the bonus w/o going into debt?Can you afford the AF?Do you know the cards benefits? Is it worth the HP?

Before you app think...Have you done your research of the CC?Does it fit your spending?Do you have a plan for the bonus w/o going into debt?Can you afford the AF?Do you know the cards benefits? Is it worth the HP?

Re: Garden Club Meeting - September 2013

09Lexie wrote:Happy September GCers! I couldn't leave without signing in for the month and wishing you all well in your gardening journey.

September should be good for me score wise. I will have 3 inqs/accts on EX/TU aging to 1 yr.Also, it'll be 6 mos from my mega spree of March.

I wish everyone well and I'll be checking in next week .

myjourney, keep 'em in line.

Have fun ...enjoy and make great memories Hawaii her she comes Wooo Hooo

Before you app think...Have you done your research of the CC?Does it fit your spending?Do you have a plan for the bonus w/o going into debt?Can you afford the AF?Do you know the cards benefits? Is it worth the HP?

Re: Garden Club Meeting - September 2013

Well, I have an early morning tomorrow to return my DD to campus, so I'm signing off for the night.

Everyone have a happy, healthy and safe Labor Day weekend. If I'm not to wiped out I will pop in tomorrow.

Night be safe and don't be crying when you drop DD off at school

Before you app think...Have you done your research of the CC?Does it fit your spending?Do you have a plan for the bonus w/o going into debt?Can you afford the AF?Do you know the cards benefits? Is it worth the HP?

Re: Garden Club Meeting - September 2013

Looks like you will be on your own for a bit, bt I know you can handle it.

Send up a flare if anyone steps out of line.

Lol

You got it

Before you app think...Have you done your research of the CC?Does it fit your spending?Do you have a plan for the bonus w/o going into debt?Can you afford the AF?Do you know the cards benefits? Is it worth the HP?

Re: Garden Club Meeting - September 2013

parakleet wrote:I can't believe it's already September! Hope everyone is enjoying their holiday weekend! I'm still a little seedling but I'm pretty confident I'll make it to bronze. I've already made it to bronze twice (😝I think)! But each time, I ended up stepping out - for good lots of money saving TLs though! This time, I have pretty much everything I need at the moment so barring something crazy happening (like my 15 yr old Toyota crapping out in the next month), I want to shoot for silver.

I have a 15 year old Toyota too! My mechanic told me it's good for at least another 75,000 miles. On another note, I've changed all my plans and decided I'm going to shoot for one year in the garden.

I get my gold the following day, on the 4th. Looks like a good week coming up for us both.

WTG - never a doubt that you would reclaim your status.

Thanks. I'm also thrilled that my scores have bounced not only back, but also higher, after every stint of gardening. For example, a year ago on August 24 I apped for four cards; my EQ score was 723. After the app spree and all of the cards reported, I dropped down to the upper 600s -- ouch! But I bounced back, and when I did my final bit of apping on March 4 of this year, my EQ score was 766. Again, after everything reported, I fell down to 734. Now that I've sat back and allowed things to age, I'm up to an EQ of 772! I imagine my scores have or soon will reach a plateau, but I'm very happy with where I'm at. It's a long, long way from where I started this journey. Using cards responsibly coupled with spending meaningful periods of time in the garden have really paid off.

Well, you certainly are inspiring and encouraging!

I don't know where my scores were after I filed bk7 in 07; I was too afraid/depressed to look. I figured I was dead in the water for 10yrs. I was able to get 1 CC in 08, a WaMu platinum Visa, and that was all I had for years. Applied for one or two cards, but was denied. Sat back and was bascially cash-and-carry for a good stretch of time.

Since joining myfico in Dec '12, I have obtained 5 new cards after PCing my Chase Visa to a Freedom. Now, I'm quite content to nurse my Discover, Barclay MC and VS. (The other two don't get much use.) My current scores range between 730 and 765. I want to get, at least 1 score, to 800. So, in the garden I stay until the dust begins to settle.

Looking at your scores and knowing you are giving it your all I see nothing but success BRAVO

Congrats.. Hope some day to have your scores

You can do it too

Before you app think...Have you done your research of the CC?Does it fit your spending?Do you have a plan for the bonus w/o going into debt?Can you afford the AF?Do you know the cards benefits? Is it worth the HP?

Re: Garden Club Meeting - September 2013

09Lexie wrote:Happy September GCers! I couldn't leave without signing in for the month and wishing you all well in your gardening journey.

September should be good for me score wise. I will have 3 inqs/accts on EX/TU aging to 1 yr.Also, it'll be 6 mos from my mega spree of March.

I wish everyone well and I'll be checking in next week .

myjourney, keep 'em in line.

Lexie,

Will be waxing Boogie Board for you...

LOL

Before you app think...Have you done your research of the CC?Does it fit your spending?Do you have a plan for the bonus w/o going into debt?Can you afford the AF?Do you know the cards benefits? Is it worth the HP?

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